Thinking about changing your current mortgage? It's a big decision, and finding the right place to handle your refinance mortgage is key. We've looked at a bunch of companies to help you figure out who might be the best fit for you in December 2025. It's not always easy to sort through all the options, but we're here to break it down. This article covers the best mortgage refinance companies reviews.

Key Takeaways

• Shopping around is super important when you're looking for refinance mortgage lenders. Don't just go with the first one you find.
• Rates can change, so what's good today might not be the best tomorrow. Keep an eye on things.
• Different lenders are good for different things. Some might have better rates for conventional loans, others for FHA or VA loans.
• Your own situation matters a lot. Your credit score, how much you owe, and how much the house is worth all play a role in what rates you'll get.
• Comparing offers, especially the Loan Estimates, helps you see the real costs beyond just the interest rate.

1. Rocket Mortgage

Rocket Mortgage has really made a name for itself in the mortgage world, especially with how they embraced technology. They were one of the first to really push the online application process, making it possible to start your refinance from your couch. This tech-forward approach often means you can get pre-approved pretty quickly, which is a big plus when you're trying to lock in a good rate.

They offer a pretty wide range of loan types, so you're likely to find something that fits your needs. Whether you're looking for a standard fixed-rate mortgage, an adjustable-rate mortgage (ARM), or even a jumbo loan for a more expensive home, they have options. Plus, they handle government-backed loans like FHA and VA loans, which is great for those who qualify.

Here's a quick rundown of what they generally provide:

• Fixed-Rate Mortgages: These give you the same monthly payment for the entire life of the loan, making budgeting easier.
• Adjustable-Rate Mortgages (ARMs): These often start with a lower interest rate, but that rate can change over time.
• Jumbo Loans: For when the loan amount is larger than what's considered conforming.
• Government-Backed Loans: This includes FHA and VA loan options for eligible borrowers.

Their online platform is a big draw, and they have tools to help you keep track of where you are in the process. It's generally a straightforward experience, though sometimes talking to a person can still be helpful to clear up any specific questions.

Rocket Mortgage consistently ranks well in customer satisfaction surveys, often earning high marks from independent reviewers. Their focus on making the mortgage process accessible through technology is a key reason for their popularity.

2. CrossCountry Mortgage

CrossCountry Mortgage is a pretty big name in the mortgage world, and they've been around for a while, helping folks out with their home financing needs. They work with a lot of different types of loans, which is good because it means more options for people looking to refinance. They seem to focus on making the process straightforward for borrowers.

When you're thinking about refinancing, it's not just about getting a lower rate, though that's usually the main goal. You also want to consider how long you plan to stay in the home and what your financial goals are. CrossCountry Mortgage offers a few different ways to approach this:

• Rate and Term Refinance: This is the classic refinance where you swap your current mortgage for a new one with a different interest rate or loan term, or both. It's great for lowering your monthly payments or paying off your home faster.
• Cash-Out Refinance: If you've built up equity in your home, this option lets you borrow more than you owe and take the difference in cash. People use this for home improvements, debt consolidation, or other big expenses.
• Streamline Refinance: For certain types of loans, like FHA or VA loans, there are often simplified refinance options that require less paperwork and fewer hoops to jump through.

It's always a good idea to shop around and compare offers, even with a lender like CrossCountry Mortgage. What works for one person might not be the best fit for another, and getting a few quotes can help you see who's offering the most competitive terms for your specific situation.

Refinancing your mortgage can be a smart move, but it's not a one-size-fits-all deal. You'll want to look at your current financial picture, your future plans, and what different lenders are offering before you make a decision. Taking the time to understand the details can save you a lot of money in the long run.

CrossCountry Mortgage achieved a high rating in our analysis, partly due to their combination of accessible credit score requirements, widespread availability, and a good variety of loan products. They also stand out for a potentially fast funding process, with some loans closing in as little as ten days, which is quite a bit faster than the industry average.

3. Navy Federal Credit Union

Navy Federal Credit Union is a standout option, especially if you have ties to the military or the Department of Defense. They really focus on serving this community, and it shows in their loan products. If you're looking to refinance, they often come through with competitive rates, which, let's be honest, is a huge part of why we're even looking to refinance in the first place.

They've got a good handle on VA loans, which is a big plus for eligible members. Plus, they sometimes offer ways to waive their origination fee, which can save you a decent chunk of change upfront. It's not just about the rates, though; they also have a special program called the Freedom Lock, which lets you lock in your rate for a longer period, like 60 days. They even allow for a couple of rate float-downs without charging you for the rate lock itself. Pretty neat, right?

Here's a quick look at what they offer for refinances:

• VA Loans: They specialize in these, making the process smoother for service members and veterans.
• Conventional Loans: If a VA loan isn't your path, they also offer standard conventional refinance options.
• Rate and Term Refinances: This is your classic refinance to get a better interest rate or change your loan term.
• Cash-Out Refinances: Need some funds for home improvements or other expenses? They offer this option too.

Keep in mind that to use Navy Federal's services, you generally need to be a member. Their membership is typically tied to military service, Department of Defense employment, or family connections to those groups. It's worth checking their specific eligibility requirements to see if you qualify.

Refinancing your mortgage is a significant financial move. While Navy Federal Credit Union is a strong contender, especially for military families, it's always wise to compare their offers with other lenders. Look at the total cost, including fees and the APR, not just the advertised interest rate, to make sure you're getting the best deal for your unique situation.

4. Bank Of America

Bank of America is a major player in the mortgage world, and they've been helping people refinance for a long time. If you own a pricier home, they might be a good option to look into, as they handle a lot of larger loan amounts. They're known for being a top-rated lender when it comes to customer satisfaction, according to J.D. Power.

When you're thinking about refinancing with Bank of America, here are a few things to consider:

• Wide Range of Loan Options: They generally offer various mortgage products, which is helpful if you have specific needs.
• Digital Tools: Like many big banks, they have online platforms and apps to help manage your loan.
• Existing Customer Perks: If you already bank with them, you might get discounts on interest rates or origination fees.

It's worth noting that while Bank of America offers a lot, some of their advertised refinance rates are based on a FICO score of 740 or higher, and they don't always let you customize these rates based on your specific credit score. Also, FHA and VA refinances are typically only available if you already have a mortgage with them. It's always a smart move to compare their offers with other lenders to make sure you're getting the best deal for your situation. You can check out their current mortgage loan rates to see how they compare.

Refinancing with a large institution like Bank of America can provide a sense of stability for some borrowers. Their long history and broad reach are appealing factors. However, always remember to shop around and compare offers from multiple lenders to secure the most advantageous terms for your financial circumstances.

5. New American Funding

New American Funding really stands out when it comes to keeping your costs down. They consistently offered some of the lowest interest rates we saw during our evaluation period, making them a top choice if you're hunting for a good deal on a refinance. It's not just about the low rates, though. They also have a pretty flexible approach, which is nice because not everyone's financial situation is the same.

Here's a quick rundown of what makes them a strong contender:

• Low Interest Rates: As mentioned, they frequently had the lowest APRs, which can save you a lot over the life of your loan.
• Flexible Loan Options: They offer various terms, including interest-only loans and even 40-year options, giving you more choices.
• Accessible Requirements: They have a low minimum credit score requirement, and for some loan types, there isn't even a minimum score needed. This opens doors for more people.
• Fast Closing: Many borrowers report a quick closing process, which is always a plus when you're eager to get your new loan finalized.

While they don't always make all their fee information super obvious on their website, their focus on competitive rates and borrower flexibility is a big draw. It’s always smart to shop around, but New American Funding is definitely a company worth getting a quote from if you're looking to refinance your mortgage.

When you're looking at mortgage refinance companies, it's easy to get lost in all the numbers and terms. New American Funding seems to simplify things by focusing on what matters most to many borrowers: saving money with lower rates and offering loan structures that can fit different needs. They've built a reputation for being accessible, which is a big deal in the often-complicated world of home loans.

6. Pennymac

Pennymac is a pretty big name in the mortgage world, and for good reason. They handle a lot of loans, and refinancing is definitely one of their main things. If you're looking to change up your current mortgage, they're worth a look.

They've been around for a while, and their sheer volume suggests they know what they're doing. It's not just about getting you a new rate; it's about the whole process. They seem to focus on making things move along pretty smoothly.

Pennymac is particularly known for its specialization in refinancing government-backed mortgages, like FHA loans. In 2024, nearly 30% of their business was dedicated to FHA refinancing, showing a strong focus in this area.

Here's a quick look at some of their refinance details:

• Availability: All 50 states and Washington, D.C.
• Loan Types: Conventional, FHA, VA, USDA, and jumbo loans. They also offer rate-and-term, adjustable-rate, cash-out, FHA Streamline, and VA IRRRL options.
• Minimum Credit Scores: Generally, 620 for conventional loans, and 580 for FHA, VA, and USDA loans.

While Pennymac has been noted for offering lower-than-median mortgage rates in some analyses, it's also important to be aware that they have sometimes charged higher-than-average loan costs. This means it's really important to look at the whole picture – not just the rate, but all the fees involved too.

When you're thinking about refinancing, it's not just about the interest rate you get today. You've got to consider the fees, how long it takes, and if the lender actually makes the process easy. Pennymac seems to aim for that, though like any big company, experiences can vary.

7. Movement Mortgage

Movement Mortgage is a lender that might catch the eye of property investors looking to refinance. They offer specific loans, like Debt-Service Coverage Ratio (DSCR) loans, which are designed for rental properties. What's neat about these is that they can use alternative income proof, like bank statements or profit and loss reports, instead of just traditional pay stubs. This can be a big help for folks who own rental properties and don't have standard W-2 income.

To get one of these DSCR loans from Movement, you'll generally need a credit score of at least 640. The loan-to-value ratio (LTV) should be 80% or less, and the rent your property brings in needs to cover at least 75% of the mortgage payment. These specialized loans can make refinancing more accessible for investors.

However, when we were putting this article together, Movement Mortgage's website didn't have much detail about closing costs, lender fees, or sample interest rates. They also didn't get back to us when we asked for more information. This lack of transparency makes it a bit harder to compare them directly with other lenders.

Here's a quick rundown of what to consider with Movement Mortgage:

• DSCR Loans: Great for rental property owners.
• Alternative Income Documentation: Accepts bank statements and P&L statements.
• Investor-Focused: Tailored for real estate investors.
• Information Gaps: Limited public details on fees and rates.

Refinancing your mortgage is a big step, and it's always wise to gather as much information as possible. While Movement Mortgage has specific products that could work for certain investors, the lack of readily available details on their site means you'll likely need to reach out directly to get a full picture of what they offer and how it compares to other options out there.

8. Citibank

Citibank is a big bank, and they do offer mortgage refinancing. They've been around for a long time, so they have a lot of experience helping people with their home loans. When you're thinking about refinancing, they're definitely a lender worth looking into.

Citibank was ranked number one for customer satisfaction among all lenders, according to J.D. Power. That's a pretty good sign they're doing something right.

Here's a quick look at what they offer:

• Loan Types: They handle conventional, FHA, VA, and jumbo loans. You can also do rate-and-term, adjustable-rate, and cash-out refinances.
• Availability: You can refinance with them in all 50 states and Washington, D.C.
• Customer Perks: Existing Citibank customers might get discounts, and they sometimes offer a flat amount off closing costs if you mention a specific code.

It's worth noting that while they advertise low loan costs, their sample rates often mention "excellent credit." This usually means a credit score of 800 or higher, which is quite high. They also don't publish specific minimum credit score requirements, so you'll need to talk to them directly to see where you stand.

Refinancing can be a smart move to lower your monthly payments or get cash out. It's important to compare offers from several lenders to find the best deal for your situation. Don't just go with the first one you find; do your homework.

9. Third Federal

Third Federal Savings and Loan Association of Cleveland, or Third Federal as most people call it, is a lender that's been around for a good while. For homeowners thinking about refinancing, their long history can be a sign of stability, which is always nice to see when you're dealing with something as big as a mortgage.

One thing that makes Third Federal stand out is their approach to interest rates. They have something called the Protector Program. Basically, if mortgage rates drop after you've already refinanced with them, they'll waive your lender fees on a future refinance. It's a way to potentially save money down the line if the market shifts.

When you're looking at lenders, it's not just about the big national banks. Sometimes, a more regional player like Third Federal can have some unique benefits. They might not be everywhere, but for those in their service areas, they offer a solid option.

Here are a few things to keep in mind about Third Federal:

• Loan Products: They generally offer conventional loans. Depending on your situation, you might find options for government-backed loans like FHA or VA, but it's worth confirming if those are directly handled or if they partner with other specialists.
• Preapproval Process: A notable feature is their preapproval. They allow you to lock in your interest rate even before you've finalized your home purchase or loan details. This can be a real advantage if you're worried about rates going up.
• Customer Service: While they might not have the sheer number of branches as some mega-banks, they focus on providing a good customer experience. It's always a good idea to check their current availability in your state.

Refinancing your mortgage is a significant financial step. It's wise to compare offers from various lenders, not just the most well-known names. Understanding the specific terms, fees, and programs each lender provides will help you make the best choice for your financial situation.

While they might not be available in all 50 states, Third Federal is definitely a lender worth considering if you're in one of their service areas and looking for a stable company with a potentially beneficial rate protection program.

10. Wells Fargo

Wells Fargo is one of those really big banks that's been around for ages, like over 160 years. If you're thinking about refinancing your mortgage, they're a pretty common choice for a lot of people. They handle a massive number of home loans, which usually means they've got the process down pretty well.

They tend to offer a bunch of different mortgage products, trying to cover various borrower needs. When you look into refinancing with them, you'll likely find options for lowering your interest rate, changing your loan term, or even taking some cash out of your home's equity. They usually have standard loan types like fixed-rate and adjustable-rate mortgages, plus FHA and VA loans.

Because they're such a huge institution, sometimes the process can feel a bit more formal compared to smaller, online-only lenders. It's also worth noting that customer service experiences can really vary. While they have a large network of loan officers and branches, which can be convenient for some, it's always a good idea to compare their rates and fees with other lenders. Shopping around is key to making sure you get the best deal for your specific situation.

With any large financial institution, it's wise to be aware of their history. While Wells Fargo has a long track record, they have faced scrutiny in the past, including fines from regulatory bodies. Understanding these aspects can help you make a more informed decision.

When you're looking at refinancing, it's smart to get a few quotes. Wells Fargo is a major player in the mortgage market, processing billions in loans each year, so they're definitely worth considering. Just remember to do your homework and compare what they offer against other options available to you. You can check out Wells Fargo mortgage information to get a better sense of what they provide.

Wrapping Up Your Refinance Search

So, that's our look at the top mortgage refinance lenders for December 2025. Picking the right one can feel like a lot, but remember, it's about finding the best fit for your wallet and your future plans. We've laid out the options, talked about rates and customer service, and hopefully, made the whole process a little less confusing. Don't forget to shop around and compare offers – a little effort now can save you a good chunk of change down the road. Good luck with your refinance!

Frequently Asked Questions

What exactly is mortgage refinancing?

Refinancing your mortgage means you're basically getting a brand new loan to pay off your old one. People usually do this to get a lower interest rate, which can save them a good amount of money each month. It's also a way to change how long you have to pay back the loan or to get some cash out for other things you need.

How do I pick the best company to refinance with?

There isn't one single 'best' company for everyone. The right choice really depends on what you need. You should look for a company that offers the kind of loans you're interested in, is clear about its rates and costs, and can help you get the best deal possible. It's always a good idea to compare offers from a few different lenders to find the one that fits you best.

Is it cheaper to refinance with the company I already have my mortgage with?

Not always. While your current lender might offer you a good deal to keep your business, it's not a sure thing. You might find even better rates and terms by checking out a few other lenders and comparing all the costs involved. Shopping around is the best way to make sure you're getting the best value.

What are the main things to look at when comparing refinance lenders?

When you're comparing lenders, pay close attention to a few key things. First, check out their interest rates – a lower rate means you'll pay less over time. Also, look at all the fees and closing costs involved, as these can add up quickly. Finally, consider the different types of loan options they offer to make sure they have what you need.

How does the refinancing process usually work?

When you refinance, you replace your current mortgage with a new one. This new loan will likely have a different interest rate, a different repayment period, and a different monthly payment. Sometimes, you can also get a 'cash-out' refinance, where the new loan is for more than you owe, and you get the extra money as a lump sum.

Are refinance rates expected to go down soon?

Mortgage rates can change daily, and they are influenced by many factors, including decisions made by the Federal Reserve. While rates have been trending lower recently, it's important to remember that they can go up or down. The best approach is to keep an eye on the rates and compare offers when you're ready to refinance, as the perfect time for one person might not be the same for another.